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Is My Car Fully Insured During Enclosed Transport?
Enclosed carriers usually carry $1 million in cargo coverage, but full insurance is a myth. Learn what is actually covered and how deductibles work.
August 18, 2026 · 6 min read
Ready to ship your car?
Get a no-obligation quote from Enterprise Auto Transport. Owner-operated, U.S.-based, and licensed with the FMCSA.
Verify before you book
Two minutes on the FMCSA website tells you who you're really dealing with
You do not have to take any company's word for it. The Federal Motor Carrier Safety Administration keeps free public records on every licensed broker and carrier in the country. Here is exactly what to ask for and where to verify it:
1.Ask for the MC and USDOT numbers
Every legitimate broker and carrier must provide both on request. Our numbers: USDOT #2273104 and MC #774106. If a company hesitates or deflects, stop.
2.Look them up on the FMCSA SAFER system
Go to safer.fmcsa.dot.gov and use the Company Snapshot search. Enter the MC or USDOT number and confirm the legal name, operating status and “Authorized” broker or carrier authority match what you were told.
3.Confirm the $75,000 broker bond
In the FMCSA Licensing & Insurance portal (li-public.fmcsa.dot.gov), verify the broker's BMC-84 bond or BMC-85 trust fund is active. No active bond means no legal authority to broker your shipment.
4.Request the carrier's insurance certificate
Before your car is loaded, ask for a certificate of insurance directly from the assigned carrier — cargo and liability. Match the carrier's name and DOT number on the certificate to the truck that arrives.
When you check our records you'll find Enterprise Auto Transport, USDOT #2273104, MC #774106 — an owner-operated, federally licensed and bonded broker with offices in Naples, Florida and Minnesota.
The coverage that comes with enclosed transport
Most enclosed auto carriers on our network carry $1,000,000 in cargo insurance. That is four times the typical $250,000 limit on an open carrier, and it is one of the main reasons collectors and exotic owners choose enclosed transport.
But a policy limit is not the same as a blank check. Every cargo policy has exclusions, deductibles, and conditions. The carrier's insurance covers damage caused by the carrier's negligence during transit. It does not cover pre-existing damage, personal items left inside the car, or mechanical failures unrelated to transport.
Why no vehicle is 100% insured
The idea that a car is fully insured is a myth. Every policy has a deductible, and if the deductible is higher than the claim amount, the carrier may be left paying out of pocket. A carrier with a $5,000 deductible is unlikely to file a claim for $500 in damage, which means the repair may not happen through insurance at all.
This is why we do not chase the cheapest carrier. A cheap rate often means a carrier with a high deductible, thin coverage, or a poor safety record. If your car is damaged, the difference between a quality carrier and a budget carrier is whether the claim is paid or becomes a civil dispute.
What to ask before you book
Request the certificate of insurance directly. Confirm the cargo limit, the deductible, and whether the policy is active for your shipment dates. A reputable broker should provide this without hesitation.
At Enterprise Auto Transport, we verify carrier insurance before dispatch and send you the driver's direct contact information. We also recommend photographing every panel at pickup and delivery so any new damage is documented immediately.
Get a quote with verified coverage
If you are shipping a high-value vehicle, the insurance conversation matters as much as the price. Use our Get a Quote form and ask for an enclosed carrier with a certificate of insurance included. We will confirm the coverage before any truck is dispatched.
Key takeaways
- Enclosed carriers typically carry $1,000,000 in cargo coverage.
- Every policy has deductibles and exclusions — full insurance is a myth.
- Always request the certificate of insurance before booking.
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